Medicare Supplement Insurance (Medigap)

I want to compare Medicare Supplement Plans.

Medigap, also known as Medicare Supplement Insurance, helps cover some of Medicare’s out-of-pocket costs, which can include deductibles, copayments and coinsurance. The best time to enroll in Medigap is during your open enrollment period, which is the six-month period that begins the day you are both 65 years old and enrolled in Medicare Part B.

Medigap Comparison Chart

The following chart shows the basic benefits of all 10 standardized Medigap plan types to help you compare them side by side.

8 Things to Know About Medigap Before You Enroll

Before you enroll in a Medigap plan, read through the following information to ensure you understand how it works and get the most from its benefits.

1. During your open enrollment period, you cannot be denied a Medigap policy, even if you have a preexisting condition or other medical issues.

2. If you fail to enroll in Medigap during your six-month open enrollment period, insurance companies can charge you more for your plan or refuse to cover you at all.

3. Don’t get Medigap plans A, B, C and D confused with Medicare Parts A, B, C and D. Medicare Part A and Part B make up Original Medicare. Medicare Part C is known as Medicare Advantage and is sold through private insurance companies as an alternative to Original Medicare. Medicare Part D is a prescription drug plan that is sold through private insurers to help seniors cover the cost of prescriptions.

4. You cannot be enrolled in Original Medicare and a Medicare Advantage plan at the same time.

5. You cannot be enrolled in a Medicare Advantage plan and a Medicare Supplement Insurance plan at the same time.

6. You can be enrolled in a Medicare Supplement Insurance plan and a Part D prescription drug plan at the same time.

7. Medigap plans that share a letter will provide the same basic benefits no matter which state you purchase them in. For example, a Medigap Plan F policy purchased in Virginia will have the same basic benefits as a Medigap Plan F policy purchased in California.

8. The price you pay for a Medigap plan will vary based on several factors, including your location and insurance company, even for Medigap plans that share a letter. So although the basic benefits remain the same no matter where you purchase your policy, the price you pay for those benefits can vary greatly.

This Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement insurance, and your call will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more of our third party partners. Submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of this insurance.We and the licensed agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.